System and Method for Tracking Wellness Activity Using a Fitness Tracking Device

ABSTRACT

A method for tracking and incentivizing wellness activity using a fitness tracking device includes: receiving user wellness data collected over a time period from at least one fitness tracking device of a user, the user wellness data including at least one wellness metric corresponding to the user; analyzing user transaction data including transactions initiated by the user with a portable financial device over the time period; automatically determining a wellness award for the user based at least partially on the user wellness data and the user transaction data for the time period; and automatically initiating the wellness award for the user. A system for tracking and incentivizing a wellness activity using a fitness tracking device is also disclosed.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application is a continuation application of U.S. patentapplication Ser. No. 15/674,966, filed Aug. 11, 2017, the disclosure ofwhich is hereby incorporated by reference in its entirety.

BACKGROUND OF THE INVENTION Field of the Invention

This invention relates to tracking user wellness activity and, in oneparticular embodiment, to a system and method for tracking wellnessactivity using a fitness tracking device.

Description of Related Art

An increasing number of people in today's society are becoming healthconscious and attempting to live healthier by improving their dailyhabits, such as by working out, getting more sleep, or eating healthier.Some of these individuals adopt this more health conscious lifestylewithout any added motivation required. Still others have the desire toadopt a more health conscious lifestyle but would benefit fromincentives urging them to do so.

Fitness tracking devices enable individuals to track their dailyactivity in order to monitor their health progress. These fitnesstracking devices can be worn by individuals throughout the day and cancollect wellness data useful for monitoring healthy behavior. Thesefitness tracking devices provide individuals with instant feedbackregarding the wellness data to help them ensure they are living thehealthy lifestyle they desire.

Goal-setting is another technique used by many individuals in an attemptto live healthier. Individuals set personal goals as benchmarks by whichthey can monitor their progress, with the aim to fulfill these goals.However, for those not familiar with diet and exercise science, it maybe difficult to determine which goals are realistically achievable orindicative of living healthy.

Therefore, there is a need in the art for a new, improved way oftracking and incentivizing individual wellness activity, such that theindividuals are both motivated to implement and rewarded for dailybehavior that leads to a longer, healthier life.

SUMMARY OF THE INVENTION

Accordingly, it is an object of the present invention to provide asystem and method for tracking and incentivizing wellness activity thatovercomes some or all of the deficiencies of the prior art.

According to a non-limiting embodiment or aspect, provided is a methodfor tracking and incentivizing wellness activity using a fitnesstracking device including: receiving, with at least one processor, userwellness data collected over a time period from at least one fitnesstracking device of a user, the user wellness data including at least onewellness metric corresponding to the user; analyzing, with at least oneprocessor, user transaction data including transactions initiated by theuser with a portable financial device over the time period;automatically determining, with at least one processor, a wellness awardfor the user based at least partially on the user wellness data and theuser transaction data for the time period; and automatically initiatingthe wellness award for the user.

In one non-limiting embodiment or aspect, the wellness metric mayinclude at least one of the following: steps taken, calories burned,weight lost, distance travelled, calories consumed, fluids consumed,floors climbed, time active, heart rate, sleep duration, or anycombination thereof. The method may include assigning to the at leastone wellness metric at least one rewards structure, the at least onerewards structure corresponding at least one award to the at least onewellness metric over the time period. The wellness award for the userfor the time period may be determined based at least partially on the atleast one rewards structure. The wellness metric may include a userwellness goal generated by the user where the wellness award isautomatically initiated for the user in response to completion of theuser wellness goal. The wellness award may be automatically initiatedfor the user in response to the user wellness goal receiving approval.The wellness metric may include a suggested wellness goal generated byat least one processor. The suggested wellness goal may be generatedbased at least partially on historical user wellness data. The suggestedwellness goal may be generated based at least partially on historicaluser transaction data.

In one non-limiting embodiment or aspect, the wellness award may includeat least one of the following: statement credit, cash back, cash backfor purchases at a merchant, cash back for purchases in a marketcategory, a gift card for a merchant, a gift card for a market category,loyalty rewards for a merchant, a coupon for a merchant, a coupon for amarket category, a free product or service, or any combination thereof.The time period may be at least one of the following: a day, a week, amonth, three months, six months, a year, or any combination thereof. Thetime period may be a day, and an ending of the day may be determinedbased at least partially on the user wellness data. The at least onefitness tracking device may be at least one of the following: a wearablefitness device, a smartphone, a smartwatch, a heartrate monitor, apedometer, a global positioning system (GPS), or any combinationthereof.

According to another non-limiting embodiment or aspect, provided is asystem for tracking and incentivizing wellness activity using a fitnesstracking device, including at least one server computer including atleast one processor programmed and/or configured to: receive userwellness data collected over a time period from at least one fitnesstracking device of a user, the user wellness data including at least onewellness metric corresponding to the user; analyze user transaction dataincluding transactions initiated by the user with a portable financialdevice over the time period; automatically determine, with at least oneprocessor, a wellness award for the user based at least partially on theuser wellness data and the user transaction data for the time period;and automatically initiate the wellness award for the user.

In one non-limiting embodiment or aspect, the wellness metric mayinclude at least one of the following: steps taken, calories burned,weight lost, distance travelled, calories consumed, fluids consumed,floors climbed, time active, heart rate, sleep duration, or anycombination thereof. The at least one server computer may be furtherprogrammed and/or configured to assign to the at least one wellnessmetric at least one rewards structure, the at least one rewardsstructure corresponding at least one award to the at least one wellnessmetric over the time period. The wellness award for the user for thetime period may be determined based at least partially on the at leastone rewards structure. The wellness metric may include a user wellnessgoal generated by the user, wherein the wellness award is automaticallyinitiated for the user in response to completion of the user wellnessgoal. The wellness award may be automatically initiated for the user inresponse to the user wellness goal receiving approval. The wellnessmetric may include a suggested wellness goal generated by at least oneprocessor. The suggested wellness goal may be generated based at leastpartially on historical user wellness data. The suggested wellness goalmay be generated based at least partially on historical user transactiondata.

In one non-limiting embodiment or aspect, the wellness award may includeat least one of the following: statement credit, cash back, cash backfor purchases at a merchant, cash back for purchases in a marketcategory, a gift card to a merchant, a gift card for a market category,loyalty rewards to a merchant, a coupon to a merchant, a coupon for amarket category, a free product or service, or any combination thereof.The time period may be at least one of the following: a day, a week, amonth, three months, six months, a year, or any combination thereof. Thetime period may be a day, and an ending of the day may be determinedbased at least partially on the user wellness data. The at least onefitness tracking device may be at least one of the following: a wearablefitness device, a smartphone, a smartwatch, a heartrate monitor, apedometer, a global positioning system (GPS), or any combinationthereof.

According to another non-limiting embodiment or aspect, provided is amethod for tracking and incentivizing wellness activity including:analyzing, with at least one processor, historical user transaction datacorresponding to a user, the historical user transaction data includingtransactions previously initiated by the user with a portable financialdevice; generating, with at least one processor, a suggested userwellness activity to be completed over a time period based at leastpartially on the historical user transaction data; analyzing, with atleast one processor, relevant user transaction data includingtransactions initiated by the user with the portable financial deviceover the time period; in response to completion of the wellness activityby the user, automatically determining, with at least one processor, awellness award for the user based at least partially on the relevantuser transaction data for the time period; and automatically initiatingthe wellness award for the user.

Further embodiments or aspects are set forth in the following numberedclauses:

Clause 1: A method for tracking and incentivizing wellness activityusing a fitness tracking device comprising: receiving, with at least oneprocessor, user wellness data collected over a time period from at leastone fitness tracking device of a user, the user wellness data comprisingat least one wellness metric corresponding to the user; analyzing, withat least one processor, user transaction data comprising transactionsinitiated by the user with a portable financial device over the timeperiod; automatically determining, with at least one processor, awellness award for the user based at least partially on the userwellness data and the user transaction data for the time period; andautomatically initiating the wellness award for the user.

Clause 2: The method of clause 1, wherein the wellness metric comprisesat least one of the following: steps taken, calories burned, weightlost, distance travelled, calories consumed, fluids consumed, floorsclimbed, time active, heart rate, sleep duration, or any combinationthereof.

Clause 3: The method of clause 1 or 2, further comprising assigning tothe at least one wellness metric at least one rewards structure, the atleast one rewards structure corresponding at least one award to the atleast one wellness metric over the time period, wherein the wellnessaward for the user for the time period is determined based at leastpartially on the at least one rewards structure.

Clause 4: The method of any of clauses 1-3, wherein the wellness metriccomprises a user wellness goal generated by the user, wherein thewellness award is automatically initiated for the user in response tocompletion of the user wellness goal.

Clause 5: The method of any of clauses 1-4, wherein the wellness awardis automatically initiated for the user in response to the user wellnessgoal receiving approval.

Clause 6: The method of any of clauses 1-5, wherein the wellness metriccomprises a suggested wellness goal generated by at least one processor.

Clause 7: The method of any of clauses 1-6, wherein the suggestedwellness goal is generated based at least partially on historical userwellness data.

Clause 8: The method of any of clauses 1-7, wherein the suggestedwellness goal is generated based at least partially on historical usertransaction data.

Clause 9: The method of any of clauses 1-8, wherein the wellness awardcomprises at least one of the following: statement credit, cash back,cash back for purchases at a merchant, cash back for purchases in amarket category, a gift card for a merchant, a gift card for a marketcategory, loyalty rewards for a merchant, a coupon for a merchant, acoupon for a market category, a free product or service, or anycombination thereof.

Clause 10: The method of any of clauses 1-9, wherein the time period isat least one of the following: a day, a week, a month, three months, sixmonths, a year, or any combination thereof.

Clause 11: The method of any of clauses 1-10, wherein the time period isa day, and wherein an ending of the day is determined based at leastpartially on the user wellness data.

Clause 12: The method of any of clauses 1-11, wherein the at least onefitness tracking device comprises at least one of the following: awearable fitness device, a smartphone, a smartwatch, a heartratemonitor, a pedometer, a global positioning system (GPS), or anycombination thereof.

Clause 13: A system for tracking and incentivizing wellness activityusing a fitness tracking device, comprising at least one server computerincluding at least one processor programmed and/or configured to:receive user wellness data collected over a time period from at leastone fitness tracking device of a user, the user wellness data comprisingat least one wellness metric corresponding to the user; analyze usertransaction data comprising transactions initiated by the user with aportable financial device over the time period; automaticallydetermining, with at least one processor, a wellness award for the userbased at least partially on the user wellness data and the usertransaction data for the time period; and automatically initiate thewellness award for the user.

Clause 14: The system of clause 13, wherein the wellness metriccomprises at least one of the following: steps taken, calories burned,weight lost, distance travelled, calories consumed, fluids consumed,floors climbed, time active, heart rate, sleep duration, or anycombination thereof.

Clause 15: The system of clause 13 or 14, wherein the at least oneserver computer is further programmed and/or configured to assign to theat least one wellness metric at least one rewards structure, the atleast one rewards structure corresponding at least one award to the atleast one wellness metric over the time period, wherein the wellnessaward for the user for the time period is determined based at leastpartially on the at least one rewards structure.

Clause 16: The system of any of clauses 13-15, wherein the wellnessmetric comprises a user wellness goal generated by the user, wherein thewellness award is automatically initiated for the user in response tocompletion of the user wellness goal.

Clause 17: The system of any of clauses 13-16, wherein the wellnessaward is automatically initiated for the user in response to the userwellness goal receiving approval.

Clause 18: The system of any of clauses 13-17, wherein the wellnessmetric comprises a suggested wellness goal generated by at least oneprocessor.

Clause 19: The system of any of clauses 13-18, wherein the suggestedwellness goal is generated based at least partially on historical userwellness data.

Clause 20: The system of any of clauses 13-19, wherein the suggestedwellness goal is generated based at least partially on historical usertransaction data

Clause 21: The system of any of clauses 13-20, wherein the wellnessaward comprises at least one of the following: statement credit, cashback, cash back for purchases at a merchant, cash back for purchases ina market category, a gift card for a merchant, a gift card for a marketcategory, loyalty rewards for a merchant, a coupon for a merchant, acoupon for a market category, a free product or service, or anycombination thereof.

Clause 22: The system of any of clauses 13-21, wherein the time periodis at least one of the following: a day, a week, a month, three months,six months, a year, or any combination thereof.

Clause 23: The system of any of clauses 13-22, wherein the time periodis a day, and wherein an ending of the day is determined based at leastpartially on the user wellness data.

Clause 24: The system of any of clauses 13-23, wherein the at least onefitness tracking device comprises at least one of the following: awearable fitness device, a smartphone, a smartwatch, a heartratemonitor, a pedometer, a global positioning system (GPS), or anycombination thereof.

Clause 25: A method for tracking and incentivizing wellness activitycomprising: analyzing, with at least one processor, historical usertransaction data corresponding to a user, the historical usertransaction data comprising transactions previously initiated by theuser with a portable financial device; generating, with at least oneprocessor, a suggested user wellness activity to be completed over atime period based at least partially on the historical user transactiondata; analyzing, with at least one processor, relevant user transactiondata comprising transactions initiated by the user with the portablefinancial device over the time period; in response to completion of thewellness activity by the user, automatically determining, with at leastone processor, a wellness award for the user based at least partially onthe relevant user transaction data for the time period; andautomatically initiating the wellness award for the user.

These and other features and characteristics of the present invention,as well as the methods of operation and functions of the relatedelements of structures and the combination of parts and economies ofmanufacture, will become more apparent upon consideration of thefollowing description and the appended claims with reference to theaccompanying drawings, all of which form a part of this specification,wherein like reference numerals designate corresponding parts in thevarious figures. It is to be expressly understood, however, that thedrawings are for the purpose of illustration and description only andare not intended as a definition of the limits of the invention. As usedin the specification and the claims, the singular form of “a,” “an,” and“the” include plural referents unless the context clearly dictatesotherwise.

BRIEF DESCRIPTION OF THE DRAWINGS

Additional advantages and details of the invention are explained ingreater detail below with reference to the exemplary embodiments thatare illustrated in the accompanying schematic figures, in which:

FIG. 1 is a schematic diagram of one non-limiting embodiment or aspectof a system for tracking and incentivizing wellness activity accordingto principles of the present invention;

FIG. 2 is an example of a fitness tracking device used in onenon-limiting embodiment or aspect of a system for tracking andincentivizing wellness activity according to principles of the presentinvention;

FIG. 3 is an example of a rewards structure used in one non-limitingembodiment or aspect of a system for tracking and incentivizing wellnessactivity according to principles of the present invention;

FIG. 4A is an example of user-generated wellness goals used in onenon-limiting embodiment or aspect of a system for tracking andincentivizing wellness activity according to principles of the presentinvention;

FIG. 4B is an example of system-generated wellness goals used in onenon-limiting embodiment or aspect of a system for tracking andincentivizing wellness activity according to principles of the presentinvention;

FIG. 5 is a step diagram of one non-limiting embodiment or aspect of amethod for tracking and incentivizing wellness activity using a fitnesstracking device according to principles of the present invention;

FIG. 6 is a step diagram of one non-limiting embodiment or aspect of amethod for tracking and incentivizing wellness activity according toprinciples of the present invention;

FIG. 7 is a process flow diagram of one non-limiting embodiment oraspect of a method for tracking and incentivizing wellness activityusing a fitness tracking device according to principles of the presentinvention;

FIG. 8 is a process flow diagram of one non-limiting embodiment oraspect of another method for tracking and incentivizing wellnessactivity using a fitness tracking device according to principles of thepresent invention; and

FIG. 9 is a process flow diagram of one non-limiting embodiment oraspect of a method for tracking and incentivizing wellness activityaccording to principles of the present invention.

DESCRIPTION OF THE INVENTION

For purposes of the description hereinafter, the terms “end,” “upper,”“lower,” “right,” “left,” “vertical,” “horizontal,” “top,” “bottom,”“lateral,” “longitudinal,” and derivatives thereof shall relate to theinvention as it is oriented in the drawing figures. However, it is to beunderstood that the invention may assume various alternative variationsand step sequences, except where expressly specified to the contrary. Itis also to be understood that the specific devices and processesillustrated in the attached drawings, and described in the followingspecification, are simply exemplary embodiments or aspects of theinvention. Hence, specific dimensions and other physical characteristicsrelated to the embodiments or aspects disclosed herein are not to beconsidered as limiting.

As used herein, the terms “communication” and “communicate” refer to thereceipt or transfer of one or more signals, messages, commands, or othertype of data. For one unit (e.g., any device, system, or componentthereof) to be in communication with another unit means that the oneunit is able to directly or indirectly receive data from and/or transmitdata to the other unit. This may refer to a direct or indirectconnection that is wired and/or wireless in nature. Additionally, twounits may be in communication with each other even though the datatransmitted may be modified, processed, relayed, and/or routed betweenthe first and second unit. For example, a first unit may be incommunication with a second unit even though the first unit passivelyreceives data and does not actively transmit data to the second unit. Asanother example, a first unit may be in communication with a second unitif an intermediary unit processes data from one unit and transmitsprocessed data to the second unit. It will be appreciated that numerousother arrangements are possible.

As used herein, the terms “issuing institution,” “portable financialdevice issuer,” “issuer,” or “issuer bank” may refer to one or moreentities that provide accounts to customers for conducting paymenttransactions, such as initiating credit and/or debit payments. Forexample, an issuing institution may provide an account identifier, suchas a personal account number (PAN), to a customer that uniquelyidentifies one or more accounts associated with that customer. Theaccount identifier may be embodied on a portable financial device suchas a physical financial instrument, e.g., a payment card, and/or may beelectronic and used for electronic payments. As used herein, the term“account identifier” may include one or more PANs, tokens, or otheridentifiers associated with a customer account. The term “token” mayrefer to an identifier that is used as a substitute or replacementidentifier for an original account identifier, such as a PAN. Accountidentifiers may be alphanumeric or any combination of characters and/orsymbols. Tokens may be associated with a PAN or other original accountidentifier in one or more databases such that they may be used toconduct a transaction without directly using the original accountidentifier. In some examples, an original account identifier, such as aPAN, may be associated with a plurality of tokens for differentindividuals or purposes. An issuing institution may be associated with abank identification number (BIN) that uniquely identifies it. The terms“issuer” and “issuer server” may also refer to one or more computersystems operated by or on behalf of an issuing institution, such as aserver computer executing one or more software applications. Forexample, an issuing institution system may include one or moreauthorization servers for authorizing a payment transaction.

As used herein, the term “merchant” refers to an individual or entitythat provides goods and/or services, or access to goods and/or services,to customers (also referred to herein interchangeably as a “consumer”)based on a transaction, such as a payment transaction. “Merchant” mayalso refer to one or more computer systems operated by or on behalf of amerchant, such as a server computer executing one or more softwareapplications. As used herein, a “merchant point-of-sale (POS) system”may refer to one or more computers and/or peripheral devices used by amerchant to engage in payment transactions with customers, including oneor more card readers, near-field communication (NFC) receivers, RFIDreceivers, and/or other contactless transceivers or receivers,contact-based receivers, payment terminals, computers, servers, inputdevices, and/or other like devices that may be used to initiate apayment transaction. A merchant point-of-sale system may also includeone or more server computers programmed or configured to process onlinepayment transactions through webpages, mobile applications, and/or thelike.

As used herein, the term “transaction service provider” may refer to anentity that receives transaction authorization requests from merchantsor other entities and provides guarantees of payment, in some casesthrough an agreement between the transaction service provider and theissuing institution. The term “transaction service provider” may alsorefer to one or more computer systems operated by or on behalf of atransaction service provider, such as a transaction processing serverexecuting one or more software applications. A transaction processingserver may include one or more processors and, in some non-limitingembodiments or aspects, may be operated by or on behalf of a transactionservice provider.

As used herein, the term “portable financial device” may refer to apayment card (e.g., a credit or debit card), a gift card, a smartcard,smart media, a payroll card, a healthcare card, a wrist band, amachine-readable medium containing account information, a keychaindevice or fob, an RFID transponder, a retailer discount or loyalty card,a cellular phone, an electronic wallet application, a personal digitalassistant, a pager, a security card, a computer, an access card, awireless terminal, and/or a transponder, as examples. The portablefinancial device may include a volatile or a non-volatile memory tostore information, such as an account identifier or a name of theaccount holder.

As used herein, the term “server” may refer to or include one or moreprocessors or computers, storage devices, or similar computerarrangements that are operated by or facilitate communication andprocessing for multiple parties in a network environment, such as theinternet, although it will be appreciated that communication may befacilitated over one or more public or private network environments andthat various other arrangements are possible. Further, multiplecomputers, e.g., servers, or other computerized devices, e.g.,point-of-sale devices, directly or indirectly communicating in thenetwork environment may constitute a “system,” such as a merchant'spoint-of-sale system.

Non-limiting embodiments or aspects of the present invention aredirected to a system and method for tracking and incentivizing wellnessactivity using a fitness tracking device. Non-limiting embodiments oraspects of the invention allow users of a portable financial device tobe rewarded and incentivized for their wellness activity. The users mayfulfill wellness goals generated by and/or for them by tracking theirhealth-related spending and/or health-related physical activity over atime period. For fulfilling their wellness goals, the user may receive awellness award, such as cash back and/or statement credit for purchasesmade during the time period. In some examples, a fitness tracking devicecollects user wellness data including at least one wellness metric for auser. At least one processor receives the user wellness data collectedby the fitness tracking device. The processor analyzes user transactionsdata including transactions initiated by the user with their portablefinancial device over a time period. The processor is able to thenautomatically determine a wellness award for the user based on the userwellness data and the user transaction data to automatically initiate awellness award for the user. Thus, the processor is able to providewellness awards to users based at least partially on their user wellnessdata and user transaction data, such that the user is provided withfurther incentives live healthier by performing further wellnessactivity.

Referring to FIG. 1, a system 100 for tracking and incentivizingwellness activity is shown according to a non-limiting embodiment oraspect. A fitness tracking device 10 may be included that corresponds toa user 12. In some non-limiting embodiments or aspects, the fitnesstracking device 10 may be wearable by the user 12. The fitness trackingdevice 10 may be worn anywhere on the user 12, such as on the user'swrist, head, neck, torso, waist, ankle, and the like, to enable thefitness tracking device 10 to collect physiological data regarding theuser 12. The user 12 may be an individual that uses a portable financialdevice to initiate transactions. In some non-limiting embodiments oraspects, the portable financial device is loaded on the fitness trackingdevice 10 such that the fitness tracking device 10 may be used toinitiate transactions.

With continued reference to FIG. 1 and referring to FIG. 2, the fitnesstracking device 10 may collect user wellness data, the user wellnessdata including user wellness metrics 14. User wellness metrics 14 may bemetrics that are associated with tracking and/or monitoring the user's12 overall health and/or may indicate healthy or unhealthy activity ofthe user 12. User wellness metrics 14 may include one or more of: stepstaken, calories burned, weight lost, distance travelled, caloriesconsumed, fluids consumed, floors climbed, time active, heart rate, andsleep duration. However, it will be appreciated that other data may becollected by the fitness tracking device 10 in addition to the userwellness metrics 14, such as data related to the health and/or activityof the user 12.

With continued reference to FIG. 1 and FIG. 2, the fitness trackingdevice 10 may be any kind of device suitable for collecting userwellness data. In some non-limiting embodiments or aspects, the fitnesstracking device 10 is a wearable fitness device, a mobile device (e.g.,smartphone or portable computer), a smartwatch, a heartrate monitor, apedometer, a global positioning system (GPS), and the like. For example,the mobile device may include accelerometers and/or gyroscopes to enablecollection of user wellness data. However, it will be appreciated thatthe fitness tracking device 10 is not limited to these devices and maybe any device capable of collecting user wellness data.

With continued reference to FIG. 1, the fitness tracking device 10 maybe in communication with a transaction service provider offers processor16 (hereinafter “offers processor”). The offers processor 16 may be acomponent of a transaction processing server managed by or on behalf ofa transaction service provider. In some non-limiting embodiments oraspects, the offers processor 16 is in communication with a server incommunication with the fitness tracking device 10. The offers processor16 may be managed by or on behalf of the transaction service provider.The offers processor 16 may be located at or remote from the transactionservice provider. The offers processor 16 may execute functions relatedto offers programs facilitated by or provided by the transaction serviceprovider or issuer.

With continued reference to FIG. 1, in some non-limiting embodiments oraspects, the offers processor 16 may receive user wellness data(including the user wellness metrics 14) collected by the fitnesstracking device 10 over a time period. In some non-limiting embodimentsor aspects, the offers processors receives the user wellness data byreceiving a communication from the fitness tracking device 10 (or serverin communication with the fitness tracking device 10). In othernon-limiting embodiments or aspects, the offers processor 16 may receivethe user wellness data by transmitting a communication to the fitnesstracking device 10 (or server in communication with the fitness trackingdevice 10), which, in response, communicates the user wellness data tothe offers processor 16. The user wellness data may be received by theoffers processor 16 from the fitness tracking device 10 after apredetermined time period. The time period may be in increments ofminutes, hours, days, weeks, years, and the like. The time period may beone day, one week, one month, three months, six months, one year, andthe like. In some non-limiting embodiments or aspects, the user wellnessdata may be received by the offers processor 16 from the fitnesstracking device 10 at the end of each day. The user wellness data may bepassively received, received in response to a request, received by beingretrieved, and the like.

With continued reference to FIG. 1, in some non-limiting embodiments oraspects, the time period may be one day. For example, the user wellnessmetric 14 may include the count of steps by the user 12 over the courseof a single day. In some non-limiting embodiments or aspects, the lengthof the day may be the same for all users, for instance a twenty-fourhour time period. In this non-limiting embodiment or aspect, the userwellness metric 14 may be received for the previous twenty-four hours at00:00:01 AM Greenwich Mean Time (GMT) (or other control time zone). Inother non-limiting embodiments or aspects, the user wellness data may bereceived at a specific time based on the time zone the fitness trackingdevice 10 is located. For instance, for a user living in Pittsburgh, Pa.(whose fitness tracking device 10 is also located therein), the userwellness data may be received for the previous twenty-four hours at00:00:01 AM Eastern Time (Eastern Standard Time or Eastern DaylightTime, as applicable). In other non-limiting embodiments or aspects, thelength of the day is customized for the user 12. For example, thefitness tracking device 10 may collect data corresponding to thesleeping activity of the user 12. From this sleep activity, the lengthof a day for the specific user 12 may be determined based on when theuser 12 awoke and when the user 12 went to sleep that day or an averageof previous sleep activity. Sleep activity may constitute user wellnessdata. Therefore, the length of the day for each user may be based atleast partially on the user wellness data. The time period for each usermay be based at least partially on the user wellness data.

With continued reference to FIG. 1, the offers processor 16 may be incommunication with a transaction service provider transaction processor18 (hereinafter “transaction processor”). The transaction processor 18may be a component of the transaction processing server. The transactionprocessor 18 may be managed by or on behalf of a transaction serviceprovider. The transaction processor 18 may be located at or remote fromthe transaction service provider. The transaction processor 18 mayexecute functions related to transactions initiated by a portablefinancial device of the user 12 managed by or on behalf of thetransaction service provider. The transaction processor 18 may be aprocessor separate from the offers processor 16. In some non-limitingembodiments or aspects, the transaction processor 18 and the offersprocessor 16 are the same processor or processors.

With continued reference to FIG. 1, the transaction processor 18 may bein communication with a merchant system 20, such as a merchantpoint-of-sale system 22. The merchant point-of-sale system 22 maycommunicate transaction data to the transaction processor 18, and thetransaction data may correspond to data associated with transactionsconducted between the merchant point-of-sale system 22 and the user 12.The transaction may be conducted between the merchant point-of-salesystem 22 and a user device 11. The user device 11 may be any electronicdevice, such as a computer, laptop computer, tablet computer,smartphone, cellular phone, smartwatch, and the like. For instance, thetransaction data may be associated with a purchase of goods and/orservices. The transaction may be initiated between the user 12 and themerchant point-of-sale system 22 using the user's 12 portable financialdevice. The transaction processor 18 may be in communication with aplurality of merchant systems for which it has a business relationshipand may receive transaction data from each of those merchants'point-of-sale systems for transactions conducted using the portablefinancial device of the user 12. The transaction processor 18 maycommunicate the transaction data to the offers processor 16. Thetransaction processor 18 may communicate transaction data of the user 12including transactions initiated by a portable financial device over atime period to the offers processor 16. The offers processor 16 mayanalyze this user transaction data.

The transaction data communicated by the merchant point-of-sale system22 to the transaction processor 18 may include data related to thetransactions between the merchant point-of-sale system 22 and the user12. Non-limiting examples of transaction data that may be communicatedby the merchant point-of-sale system 22 to the transaction processor 18may include: user name, personal information of the user (e.g., homeaddress, billing address, social security number, driver's licensenumber, telephone number, email address, credit score, credit scorehistory, and the like), user's portable financial device accountidentifier (e.g., 16 digit PAN), another account identifier, goodsand/or services purchased, type of goods and/or services purchased,quantity of goods and/or services purchased, barcode data and/or uniqueidentifier(s) corresponding to the goods and/or services purchased,merchant name, merchant identification number, merchant address andother contact information, location of sale, point-of-sale details,acquirer details (e.g., acquirer bank identification number (BIN)), andthe like. However, it will be appreciated that the transaction data mayinclude any information required for processing the transaction.Further, it will be appreciated that the transaction data may, in somenon-limiting embodiments or aspects, be communicated from the merchantpoint-of-sale system 22 to the transaction processor 18 through anintermediary, such as from an acquirer system or a payment facilitatorsystem.

With continued reference to FIG. 1, the offers processor 16 may be incommunication with an issuer server 24 managed by or on behalf of anissuer. The offers processor 16 may transmit data to or receive datafrom the issuer server 24 associated with offers programs being providedby the issuer and facilitated by the offers processor 16 or offersprograms being provided by the transaction service provider. An offersprogram may be a program provided by the transaction service providerand/or the issuer which offers the user 12 an award for a certainwellness activity, including threshold(s) of the wellness activity. Insome non-limiting embodiments or aspects, the offers program providesthe user 12 a wellness award based at least partially on wellnessactivity corresponding to the wellness data collected by the user's 12fitness tracking device 10. The wellness award may also be based atleast partially on wellness activity that corresponds to wellness datathat includes user transaction data from the transaction processor 18.In some non-limiting embodiments or aspects, the offers program providesthe user 12 the wellness award based at least partially on wellnessactivity corresponding to wellness data received from a third-partysource.

With continued reference to FIG. 1, in some non-limiting embodiments oraspects, the wellness award from the offers processor 16 and/or theissuer server 24 may be determined by the offers processor 16 afteranalyzing the user transaction data. The offers processor 16 mayautomatically determine the wellness award associated with the offerbased at least partially on the user wellness data (e.g., from thefitness tracking device 10) and/or the historical user transaction data(e.g., from the transaction processor 18) for the time period incombination with the amount of spending with the portable financialdevice over the time period.

In some non-limiting embodiments or aspects, the wellness award mayassociate an award with at least one wellness metric from the userwellness data collected by the fitness tracking device 10. For example,the wellness award may be associated with achieving a certain number ofsteps over a time period (e.g., a day). It will be appreciated that thewellness award may be achieved in connection with any of thepreviously-described user wellness metrics over any of thepreviously-described time periods.

In some non-limiting embodiments or aspects, the wellness award mayassociate an award with some wellness activity not collected by thefitness tracking device 10. For example, the wellness award may beassociated with a wellness activity associated with transactionsconducted by the user 12, in which case the transaction processor 18 mayprovide the relevant transaction data associated with the wellnessactivity that the wellness award is associated with. For example, thewellness activity may include a wellness award for spending on healthypurchases, such as purchases of healthy foods, health products, fitnessproducts, fitness devices, gym memberships, race and competitionentries, and the like, as determined by merchant category codes,merchant identifiers, and the like. The wellness award may be associatedwith any type of activity, physical or otherwise, that is related to thehealth or fitness of the user 12.

The wellness award provided to the user 12 from the offers processor 16or the issuer server 24 may be in any form. In some non-limitingembodiments or aspects, the wellness award applied to the user's 12account includes at least one of: statement credit, cash back, cash backfor purchases at a merchant, cash back for purchases in a marketcategory, a gift card for a merchant, a gift card for a market category,loyalty rewards for a merchant, a coupon for a merchant, a coupon for amarket category, a free product or service, or any combination thereof.In some non-limiting embodiments or aspects, the wellness award may becommunicated to the user device 11.

With continued reference to FIG. 1, in some non-limiting embodiments oraspects, the offers processor 16 automatically initiates the wellnessaward earned by the user 12. The offers processor 16 may communicatedata regarding the wellness award to the issuer server 24, such that thewellness award associated with the offer from the issuer may be appliedto an account of the user 12. In some non-limiting embodiments oraspects, the offer may be an offer to the user 12 from the transactionservice provider. In this non-limiting embodiment or aspect, the offersprocessor 16 may communicate with the issuer server 24 to apply thewellness award associated with the transaction service provider offer tothe user's 12 account. In other non-limiting embodiments or aspects, theoffers processor 16 may apply the wellness award to the user's 12account directly.

Referring to FIG. 3, an example of a rewards structure 26 used in thesystem 100 for tracking and incentivizing wellness activity is shown. Arewards structure 26 may include one or more data structures associatingwellness activity and wellness metrics with wellness awards. In somenon-limiting embodiments or aspects, the rewards structure 26 assigns awellness activity at least one award over the time period. The wellnessaward may be determined at least partially based on the rewardsstructure 26. In some non-limiting examples, the rewards structure 26associates a certain threshold of the wellness activity (e.g., thepreviously-described physical wellness metrics 14, health-relatedpurchases, or other health-related activity) with a certain percentageof the previously-listed types of the wellness award (e.g., cash back orstatement credit). In the example shown in FIG. 3, the wellness activitymay be the user wellness metric 14 of a daily step count, and a wellnessaward of a certain percentage of cash back may be assigned to differentthresholds of daily steps. In this example, a user taking 5,000-9,999steps receives 1% cashback for purchases made over the time period(e.g., a day), a user taking 10,000-14,999 steps receives 2% cashbackfor purchases made over the time period, a user taking 15,000-19,999steps receives 2.5% cashback for purchases made over the time period, auser taking 20,000-24,999 steps receives 3% cashback for purchases madeover the time period, a user taking 25,000-29,999 steps receives 3.5%cashback for purchases made over the time period, and a user taking30,000+ steps receives 4% cashback for purchases made over the timeperiod. In an example in which a user spends $100 over the time periodand takes 7,500 steps over the time period, the wellness award amountwould be $1.00 (1% of $100).

It will be appreciated that similar rewards structures 26 may beutilized other than the one depicted in FIG. 3. For instance, forwellness activities that do not include thresholds but are eitherachieved or not achieved (e.g., when the wellness activity is a goalthat is either achieved or not achieved), the rewards structure 26 mayassign a certain percent cash back for the goal being achieved. It willbe appreciated that the rewards structure 26 may be set up in any mannerto associate any of the contemplated wellness activities (orcombinations of wellness activities) with any of the contemplatedwellness awards (or combination of wellness awards).

Referring to FIGS. 4A and 4B, wellness goals 28, 30 representingwellness activities in the system 100 for tracking and incentivizingwellness activity are shown. The wellness goal 28, 30 may be a thresholdof previously-described wellness activity (e.g., the previouslydescribed physical activity, health-related purchases, or otherhealth-related activity) that must be achieved by the user 12 during thetime period in order to receive the assigned wellness award. Achievementof the wellness goal 28, 30 may lead to the user's 12 account receivinga wellness award. In some non-limiting embodiments or aspects, thefitness tracking device 10 may be used to track the activity associatedwith the wellness goal 28, 30 (e.g., where the wellness goal 28, 30 isassociated with an activity tracked by the fitness tracking device 10).In some non-limiting embodiments or aspects, the transaction processor18 may be used to track the activity associated with the wellness goal28, 30 (e.g., where the wellness goal 28, 30 is associated withtransactions of the user 12). In some non-limiting embodiments oraspects, a third-party system may be used to track the wellness activityassociated with the wellness goal 28, 30. The offers processor 16 maycommunicate with the fitness tracking device 10, the transactionprocessor 18 and/or the third-party system to determine whether the user12 achieved the wellness goal 28, 30.

With continued reference to FIG. 4A, in some non-limiting embodiments oraspects, the wellness goal 28 may be generated by the user device 11,and the wellness award may be automatically initiated for the user 12 inresponse to completion of the wellness goal 28. In this non-limitingembodiment or aspect, the user device 11 may suggest a wellness goal 28for which the user 12 would receive the wellness award upon successfulcompletion. The user-generated wellness goal 28 may be communicated tothe offers processor 16 and/or the issuer server 24 via the user device11. The offers processor 16 and/or the issuer server 24 may analyze theuser-generated wellness goal 28 and either approve or reject theuser-generated wellness goal 28, and the wellness award may beautomatically initiated after approval and completion of theuser-generated wellness goal 28. The offers processor 16 and/or theissuer server 24 may then communicate the status (e.g., approved orrejected) of the user-generated wellness goal 28 to the user device 11.An approved user-generated wellness goal 28 may be pursued by the user12, and successful completion of the approved user-generated wellnessgoal 28 may lead to a wellness award being initiated for the user 12. Arejected user-generated wellness goal 28 may not be pursued by the user12, and no wellness award may be initiated for the user 12 uponsuccessful completion of the rejected user-generated wellness goal 28.The user device 11 may propose a wellness award associated withsuccessful completion of the suggested user-generated wellness goal 28,or the offers processor 16 and/or the issuer server 24 may determine awellness award for successful completion of the suggested user-generatedwellness goal 28. The wellness award may be generated based on thedifficulty of the suggested user-generated wellness goal 28 (e.g.,higher difficulty means higher wellness award) or based on the healthvalue of the user-generated wellness goal 28 (e.g., a healthier goalmeans a higher wellness award).

With continued reference to FIG. 4A, examples of user-generated wellnessgoals 28 are shown. In the first line, the user device 11 communicates auser-generated wellness goal 28 of completing a 5k race in the month ofMay. The user device 11 communicates this user-generated wellness goal28 to the offers processor 16 and/or the issuer server 24 for approval.The offers processor 16 and/or the issuer server analyzes thisuser-generated wellness goal 28 and approves it. The offers processor 16and/or the issuer server 24 then communicates to the user device 11 thatthe user-generated wellness goal 28 is approved. The user 12 may pursuethe approved user-generated wellness goal 28 over the time period (e.g.,one month (May)). The user 12 may receive the wellness award (e.g., 2%cash back for purchases in May) if the user 12 completes a 5k race inMay, such as the wellness award being applied to the user's 12 account.It may be determined a number of ways that the user 12 completed a 5krace in May. For example, the fitness tracking device 10 of the user 12may determine that the user 12 completed a 5k race in May. Thetransaction processor 18 may determine that the user 12 completed a 5kin May by analyzing transactions initiated by the user 12 to determineif the user 12 paid to sign up for a 5k race held in May. Other thirdparty processors and/or devices may be used to determine whether theuser 12 completed the 5k race in May (e.g., a third party website thatlists results of the 5k race in which the user 12 participated).

With continued reference to FIG. 4A, not every suggested wellness goal28 from the user device 11 may be approved by the offers processor 16and/or the issuer server 24. In the second line of the table, the userdevice 11 communicates a user-suggested wellness goal 28 of taking atleast 2,000 steps every day in May. The offers processor 16 and/or theissuer server 24 may reject this user-suggested wellness goal 28 forreasons such as insufficient difficulty or not being directed to anactivity that enhances the overall wellness of the user 12. In thefourth line of the table, the user device 11 communicates auser-suggested wellness goal 28 of being active for at least 30 minuteseach day of the upcoming weekend, and this user-suggested wellness goal28 is communicated to the offers processor 16 and/or the issuer server24. The user-suggested wellness goal 28 may be automatically approved orrejected, or the user-suggested wellness goal 28 may receive a “pending”status while the user-suggested wellness goal 28 is being analyzed bythe offers processor 16, the issuer server 24, and/or by an individual.Once the user-suggested wellness goal 28 is approved or rejected, thepending status will be changed to reflect the new status.

Referring to FIG. 4B, in some non-limiting embodiments or aspects, thewellness goal 30 may be generated by the offers processor 16 and/or theissuer server 24 or by an entity acting on behalf of the transactionservice provider and/or the issuer (hereinafter referred to as asystem-generated wellness goal 30), and the wellness award may beautomatically initiated for the user 12 in response to completion of thesystem-generated wellness goal 30. Along with the system-generatedwellness goal 30, the offers processor 16 and/or the issuer server 24may provide a wellness award for completion of the system-generatedwellness goal 30. In this non-limiting embodiment or aspect, the offersprocessor 16 and/or the issuer server 24 may suggest a wellness goal 30for which the user 12 would receive the wellness award upon successfulcompletion. The system-generated wellness goal 30 may be communicated tothe user device 11. In some non-limiting embodiments or aspects, theuser device 11 may receive the system-generated wellness goals(s) 30 andaccept or reject them. An approved system generated wellness goal 30 maybe pursued by the user 12, and successful completion of the approvedsystem-generated wellness goal 30 may lead to a wellness award beinginitiated for the user 12. A rejected system-generated wellness goal 30may not be pursued by the user 12, and no wellness award may beinitiated for the user 12 upon successful completion of the rejectedsystem-generated wellness goal 30. In other non-limiting embodiments oraspects, the user 12 may be automatically enrolled in a system-generatedwellness goal 30. For example, the system-generated wellness goal 30 maybe a certain count of steps for each day associated with a certainpercentage cash back for spending initiated that day, and all users inthe offers program may be automatically enrolled in thissystem-generated wellness goal 30 and automatically receive a wellnessaward upon successful completion.

With continued reference to FIG. 4B, in the first line, thesystem-generated wellness goal 30 is for the user 12 to take 10,000steps for that day. This system-generated wellness goal 30 is generatedby an entity other than the user device 11, such as the offers processor16 and/or the issuer server 24. A 1% cash back for purchases made thatday is provided for successful completion of the system-generatedwellness goal 30. The user device 11 may accept or reject thesystem-generated wellness goal 30. The user device 11 may receivemultiple system-generated wellness goals 30, and may accept or rejectany number of the system-generated wellness goals 30. Thesystem-generated wellness goals 30 may be for a variety of activitiesdirected to the user's 12 wellness for a variety of time periods. Insome embodiments or aspects, the user device 11 may accept multiplesystem-generated wellness goals 30 and receive a wellness award for eachone. In some non-limiting embodiments or aspects, system-generatedwellness goals 30 may overlap in time period (e.g., multiple wellnessgoals for the same day, week, month, and the like), and the wellnessawards for these completed system-generated wellness goals 30 may besummed. In other non-limiting embodiments or aspects, system-generatedwellness goals 30 may overlap in time period (e.g., multiple wellnessgoals for the same day, week, month, and the like), and the user device11 may receive a wellness award for only the completed system-generatedwellness goal 30 that has the highest wellness award.

With continued reference to FIG. 4B, the system-generated wellness award30 may be generated for the user 12 based on any sufficient reason. Insome non-limiting embodiments or aspects, all users may receive the samesystem-generated wellness awards 30 to either accept or reject. In othernon-limiting embodiments or aspects, the system-generated wellness award30 may be customized for each user. For example, the system-generatedwellness award 30 may be based at least partially on historical wellnessdata of the user 12 from the user's 12 fitness tracking device 10. Thesystem-generated wellness goal 30 may be generated such that thesystem-generated wellness goal 30 is the next threshold of difficulty ina certain activity, compared to the historical wellness data. Forexample, the historical wellness data for the user 12 may indicate thatthe user 12 takes an average of 7,500 steps/day, so the offers processor16 and/or issuer server 24 may generate a system-generated wellness goal30 for the user 12 to increase to 10,000 steps/day. The system-generatedwellness goal 30 may be based on similar goals generated for other userswith similar thresholds of activity or similar historical user wellnessdata, such as by using a machine learning algorithm.

In another non-limiting embodiment or aspect, the system-generatedwellness award 30 may be generated based at least partially onhistorical user transaction data collected by the transaction processor18. The system-generated wellness goal 30 may be generated toincentivize healthy behavior based on the historical user transactiondata. For example, the user transaction data may indicate that the user12 purchases fast food multiple times each week. The system-generatedwellness goal 30 may be generated to incentivize the user 12 to decreasethe frequency of fast food transactions or to purchase alternative,healthier foods, such as organic foods. The system-generated wellnessgoal 30 may be based on similar goals generated for other users withsimilar historical user transaction data, such as by using a machinelearning algorithm.

Referring to FIG. 5, a method 500 for tracking and incentivizingwellness activity is shown. At a step 502, the user wellness datacollected over a time period may be received with at least one processor(e.g., the offers processor 16). The user wellness data may include anyof the previously-described wellness metrics 14. The user wellness datamay be received by the offers processor 16 from the fitness trackingdevice 10. At a step 504, the processor (e.g., the offers processor 16,transaction processor 18, or the issuer server 24) may analyze usertransaction data initiated by the user 12 with a portable financialdevice over the time period time period. At a step 506, the processor(e.g., the offers processor 16 or the issuer server 24) mayautomatically determine the wellness award for the user 12 based atleast partially on the user wellness data and the user transaction datafor the time period. At a step 508, the wellness award may beautomatically initiated for the user 12. This may include the offersprocessor 16, the issuer server 24, and/or other entity executing stepssuch that the wellness award is applied to the user 12 account and/orotherwise communicated to the user 12.

Referring to FIG. 6, a method 600 for tracking and incentivizingwellness activity is shown. At a step 602, historical user transactiondata corresponding to the user 12 may be analyzed using at least oneprocessor (e.g., the offers processor 16, transaction processor 18, orthe issuer server 24). The historical user transaction data may includetransactions previously initiated by the user 12 with a portablefinancial device. At a step 604, a suggested user wellness activity(e.g., a user-generated wellness goal 28 or a system-generated wellnessgoal 30) may be generated by at least one processor (e.g., the offersprocessor 16, transaction processor 18, or the issuer server 24) to becompleted over a time period. The user wellness activity may begenerated based at least partially on the historical user transactiondata. At a step 606, at least one processor (e.g., the offers processor16, transaction processor 18, or the issuer server 24) may analyzerelevant user transaction data including transactions initiated by theuser 12 with the portable financial device over the time period. Thisrelevant user transaction data may be distinguishable from thehistorical user transaction data in that the historical user transactiondata may include transactions initiated by the user 12 before the timeperiod, and the relevant user transaction data may include transactionsinitiated during the time period. At a step 608, at least one processor(e.g., the offers processor 16 or the issuer server 24) mayautomatically determine the wellness award for the user 12 in responseto completion of the user wellness activity for the time period. Thewellness award may be determined based at least partially on therelevant user transaction data. At a step 610, the wellness award may beautomatically be initiated for the user 12. This may include the offersprocessor 16, the issuer server 24, and/or other entity executing stepssuch that the wellness award is applied to the user's 12 account and/orotherwise communicated to the user 12.

Examples

The following examples are provided to illustrate embodiments or aspectsof the system and method for tracking and incentivizing wellnessactivity and are not meant to limit the invention in any way.

Referring to FIGS. 7-9, a process flow diagrams of non-limiting methods700, 800, 900 for tracking and incentivizing wellness activity areshown.

Referring to FIG. 7, User A (e.g., a user 12) is a cardholder of aportable financial device (e.g., a credit card) managed by First CreditCard Company (e.g., a transaction service provider) and issued by FirstIssuer Bank (e.g., an issuer). First Issuer Bank may have a First IssuerBank Server. User A uses the portable financial device to initiatetransactions with various merchant point-of-sale systems 22, such as amerchant point-of-sale system of Merchant A and Merchant B, which acceptthe portable financial device as a form of payment. User A also uses afitness tracking device 10 to track his/her daily physical activity, thefitness tracking device 10 having the capability of collecting wellnessdata including wellness metrics 14. First Issuer Bank sponsors an offersprogram entitled “Reward Program” including a “Step Program”,facilitated by First Credit Card Company, for holders of the portablefinancial device used by User A. In the Step Program, the user receivesa wellness award for a time period based at least partially the user'sperformance of wellness activity (e.g., wellness metric or otherwellness activity) over the time period and the user's spending over thetime period. In this example, all users, including User A, areautomatically enrolled in Step Program by being a holder of the portablefinancial device. Step Program includes a system-generated wellness goal30 of a certain number of daily steps for User A each day, and providesUser A a wellness award for his/her daily spending that day based on thenumber of steps. Step Program includes the rewards structure 26 shown inFIG. 3, such that the wellness award is a percent cash back for allpurchases made that day based on the total step count for the day. Theday length may be the same for each user. In this example, however, theday length for User A is based on user wellness data from User A'sfitness tracking device 10 (e.g., based on the data collected associatedwith the sleep pattern of User A for that day).

With continued reference to FIG. 7, at a first step (s1), User Ainitiates transactions during Day 1 (the time period) with variousmerchant point-of-sale systems 22, for example, of Merchant A, MerchantB, etc. The transactions between User A and the merchant point-of-salesystems 22 may be a purchase of a good and/or service initiated usingUser A's portable financial device. During Day 1, User A spends acertain amount of money (Total 1) at the various merchant point-of-salesystems 22 using the portable financial device. At a second step (s2),the various merchant point-of-sale systems 22 communicate User A'stransaction data with First Credit Card Company (e.g., the transactionprocessor 18 of First Credit Card Company) to further process thetransactions made by User A with the portable financial device duringDay 1.

With continued reference to FIG. 7, at a third step (s3), First CreditCard Company (e.g., the offers processor 16 of First Credit CardCompany) receives user wellness data from the fitness tracking device 10of User A. The user wellness data may be received by the offersprocessor 16 from the fitness tracking device 10. The user wellness datamay include the wellness metric 14 of the step count of User A for Day1. The user wellness data may be received by the offers processor 16from the fitness tracking device 10 of User A after User A's day hasended (e.g., after the fitness tracking device 10 determines that User Ahas gone to sleep for the day). Thus, the offers processor 16 mayreceive how many steps User A has taken on Day 1.

With continued reference to FIG. 7, at a fourth step (s4), the offersprocessor 16 may receive transaction data of User A for Day 1 from thetransaction processor 18. The offers processor 16 may automaticallyreceive the transaction data for Day 1 from the transaction processor 18or request the transaction data for Day 1 from the transaction processor18. In some non-limiting embodiments or aspects, the offers processor 16and the transaction processor 18 may be the same processor. At a fifthstep (s5), the offers processor 16 analyzes the user transaction data ofUser A for Day 1. The transaction data of User A for Day 1 may beanalyzed to determine Total 1. The transaction data for User A for Day 1may be received by the offers processor 16 from the transactionprocessor 18 after User A's day has ended (e.g., after the fitnesstracking device 10 determines that User A has gone to sleep for theday). Thus, the offers processor 16 may receive Total 1 for User A forDay 1.

With continued reference to FIG. 7, at a sixth step (s6), the offersprocessor 16 automatically determines a wellness award for Day 1 forUser A. The award for Day 1 may be based at least partially on thenumber of steps by User A on Day 1 and Total 1. The wellness award forthe Step Program is determined using the rewards structure 26 from FIG.3. From this rewards structure 26, the percent cash back for User A onDay 1 is determined based on the number of steps. For example, if thetotal number of steps by User A on Day 1 is 12,345, the percent cashback for User A would be 2% (see FIG. 3). Thus, the wellness award (WA)for User A for Day 1 would be calculated according to the followingformula: WA=(0.02)(Total 1). For example, if User A spent $100 total onDay 1, the wellness award would be $2.00.

With continued reference to FIG. 7, at a seventh step (s7), the offersprocessor 16 communicates the wellness award to First Issuer BankServer. In some non-limiting embodiments or aspects, the offersprocessor 16 may only communicate raw data associated with User A (e.g.,Total 1 and steps by User A) to First Issuer Bank Server, and it isFirst Issuer Bank Server that analyzes the data to determine thewellness award for User A. At an eighth step (s8), the First Issuer BankServer applies the wellness award for User A to an account of User A.This may include providing a statement credit or otherwise communicatingthe wellness award to User A. In some non-limiting embodiments oraspects, First Credit Card Company (e.g., the offers processor 16) mayinstead apply the wellness award to the account of User A or otherwisecommunicate the wellness award to User A. For example, User A may havean account balance of ($100.00) at the end of Day 1 before applying thewellness award; however, after Day 1, the $2.00 wellness award may becredited to the account of User A such that the account balance at theend of Day 1 is ($98.00). Wellness awards other than statement creditare contemplated.

Referring to FIG. 8, the method 800 includes all of the features andfunctions of the method 700 in FIG. 7 having the same reference numbers.The method 800 of FIG. 8 may differ from the method 700 of FIG. 7 inthat User A may not automatically be enrolled in the Step Programportion of Reward Program or may be enrolled in another program (“GoalProgram”) of Reward Program in addition to Step Program. At a step 0(s0), User A (via a smartphone of User A (a user device 11 of User A))and the offers processor 16 communicate regarding the Goal Program toenroll User A in the Goal Program. The Goal Program provides User A witha wellness award for successfully completing a goal over the timeperiod. In some non-limiting embodiments or aspects, the goal of GoalProgram is a user-generated wellness goal 28, as previously described,and FIG. 4A shows exemplary user-generated wellness goals 28. ForExample, User A's user device 11 may communicate a user-generatedwellness goal 28 of completing a 5k race in May, which is subsequentlyapproved. In some non-limiting embodiments or aspects, the goal of GoalProgram is a system-generated wellness goal 30, as previously described,and FIG. 4B shows exemplary system-generated wellness goals 30. ForExample, User A may accept at least the system-generated wellness goal30 of completing a marathon in the next six months. The remaining stepsof the method 800 in FIG. 8 are identical to those of method 700 in FIG.7, such that User A is provided with a wellness award for successfulcompletion of the accepted goal of the Goal Program.

Referring to FIG. 9, User B (e.g., a user 12) is a cardholder of aportable financial device (e.g., a credit card) managed by Second CreditCard Company (e.g., a transaction service provider) and issued by SecondIssuer Bank (e.g., an issuer). The Second Issuer Bank has a SecondIssuer Bank Server. User B uses the portable financial device toinitiate transactions with various merchant point-of-sale systems 22,such as merchant point-of-sale systems 22 of Merchant C and Merchant D,which accept the portable financial device as a form of payment. SecondIssuer Bank sponsors an offers program entitled “Wellness Program”,facilitated by Second Credit Card Company, for holders of the portablefinancial device used by User B. In Wellness Program, the user receivesa wellness award for a time period based at least partially the user'sperformance of a wellness activity over the time period and the user'sspending over the time period.

With continued reference to FIG. 9, at a first step (p1), before thetime period, User B initiates transactions with various merchantpoint-of-sale systems 22, for instance, of Merchant C, Merchant D, etc.The transactions between User B and the merchant point-of-sale systems22 may be exchanges of goods and services for some monetary value, andthe transactions are initiated using User B's portable financial device.At a second step (p2), before the time period, the various merchantpoint-of-sale systems 22 communicate with Second Credit Card Company(e.g., the transaction processor 18 of Second Credit Card Company) tofurther process the transactions made by User B before the time period.The data transmitted from the merchant point-of-sale systems 22 totransaction processor 18 of the transactions made by User B isconsidered historical transaction data since the data relates totransactions initiated before the time period. At a third step (p3),before the time period, the transaction processor 18 communicates thehistorical transaction data to the offers processor 16 of Second CreditCard Company. In some non-limiting embodiments or aspects, the offersprocessor 16 and the transaction processor 18 are the same processor.

With continued reference to FIG. 9, at a fourth step (p4), the offersprocessor 16 analyzes the historical transaction data for User B andgenerates and communicates to User B's user device a suggested userwellness activity to be completed over a time period (e.g., thesystem-generated wellness goal 30) by User B, which, if successfullycompleted, yields a wellness award for User B. The suggested userwellness activity may be based at least partially on the historical usertransaction data for User B. FIG. 4B shows non-limiting examples ofsuggested user wellness activities for User B. User B may accept orreject any of the suggested user wellness activities with the userdevice 11 and communicate that acceptance or rejection to the offersprocessor 16. In this Example, User B accepts the suggested userwellness activity in the eighth row of FIG. 4B of spending $250 or moreon organic food in May. Thus, for this goal, the time period is onemonth (May) and the wellness award is a 2.5% cash back for all purchasesmade with the portable financial device in May.

With continued reference to FIG. 9, at a fifth step (p5), User Binitiates transactions in May with the various merchant point-of-salesystems 22, for instance, of Merchant C, Merchant D, etc. Thetransactions between User B and the merchant point-of-sale systems 22may be exchanges of goods and services (given to User B) for somemonetary value (given to the merchant point-of-sale systems 22), and thetransactions are initiated using User B's portable financial device. InMay, User B spends a certain amount of money (Total 2) at variousmerchant point-of-sale systems 22 using the portable financial device.At a sixth step (p6), the various merchant point-of-sale systems 22communicate with Second Credit Card Company (e.g., the transactionprocessor 18 of Second Credit Card Company) to further process thetransactions made by User B with the portable financial device in May.At a seventh step (p7), the offers processor 16 may receive transactiondata of User B for May from the transaction processor 18. The offersprocessor 16 may receive the transaction data for User B for May fromthe transaction processor 18 or receive that transaction data for Mayfrom the transaction processor 18.

With continued reference to FIG. 9, at an eighth step (p8), the offersprocessor 16 analyzes the user transaction data of User B for May. Thetransaction data of User B for May may be analyzed to determine Total 2.The transaction data for User B for May may be received by the offersprocessor 16 from the transaction processor 18 after May has ended.Thus, the offers processor 16 may receive Total 2 for User B for May.

At a ninth step (p9), the offers processor 16 automatically determines awellness award for May for User B if User B completes the acceptedsuggested user wellness activity (spending at least $250 on organicfood). Thus, the wellness award for May may be based at least partiallyon User B successfully buying at least $250 in organic food and Total 2.For example, if User B spent $250 in organic food in May with theportable financial device, the percent cash back for User B would be2.5% (see FIG. 4B) for all purchases made in May with the portablefinancial device (Total B). Thus, the wellness award for User B for Maywould be calculated according to the following formula: WA=(0.025)(Total2). For example, if User B spent $1,000 using the portable financialdevice in May, the wellness award would be $25.00.

With continued reference to FIG. 9, at a tenth step (p10), the offersprocessor 16 communicates the wellness award to Second Issuer BankServer. In some non-limiting embodiments or aspects, the offersprocessor 16 may only communicate raw data associated with User B (e.g.,Total 2 and transaction data for May of User B) to Second Issuer BankServer, and it is Second Issuer Bank Server that analyzes the data todetermine the wellness award for User B. At an eleventh step (p11),Second Issuer Bank Server applies the wellness award for User B to anaccount of User B. This may include providing a statement credit orotherwise communicating the wellness award to User B. In somenon-limiting embodiments or aspects, Second Credit Card Company (e.g.,the offers processor 16) may instead apply the wellness award to theaccount of user B or otherwise communicate the wellness award to User B.For example, User B may have an account balance of ($100.00) at the endof May before any wellness award is determined; however, after the Maywellness award of $25.00 is determined, the wellness award may becredited to the account of User B such that the account balance at theend of May is ($75.00).

Although the invention has been described in detail for the purpose ofillustration based on what is currently considered to be the mostpractical and preferred embodiments, it is to be understood that suchdetail is solely for that purpose and that the invention is not limitedto the disclosed embodiments, but, on the contrary, is intended to covermodifications and equivalent arrangements that are within the spirit andscope of the appended claims. For example, it is to be understood thatthe present invention contemplates that, to the extent possible, one ormore features of any embodiment can be combined with one or morefeatures of any other embodiment.

The invention claimed is
 1. A method for tracking and incentivizingwellness activity using a fitness tracking device, comprising:determining, with at least one transaction processing system, a valueassociated with a wellness metric received from at least one fitnesstracking device of a user; receiving, with the at least one transactionprocessing system, first user transaction data associated with a firsttransaction between the user and a first merchant; receiving, with theat least one transaction processing system, second user transaction dataassociated with a second transaction between the user and a secondmerchant; based on the first user transaction data and second usertransaction data, determining, with the at least one transactionprocessing system, a total transaction spend amount for the user; basedon the value associated with the wellness metric and the totaltransaction spend amount for the user, determining, with the at leastone transaction processing system, a wellness award amount; generating,with the at least one transaction processing system, a messagecomprising the wellness award amount; and causing, with the at least onetransaction processing system, an issuer server operated by or on behalfof an issuer of an account of the user to apply the wellness awardamount to the account of the user by communicating the message to theissuer server.
 2. The method of claim 1, wherein the wellness metriccomprises at least one of the following: steps taken, calories burned,weight lost, distance travelled, calories consumed, fluids consumed,floors climbed, time active, heart rate, sleep duration, or anycombination thereof.
 3. The method of claim 1, wherein the wellnessmetric comprises a user wellness goal generated by the user, wherein thewellness award amount is automatically applied to the account of theuser in response to completion of the user wellness goal.
 4. The methodof claim 1, wherein the wellness metric comprises a suggested wellnessgoal generated by at least one processor.
 5. The method of claim 4,wherein the suggested wellness goal is generated based at leastpartially on historical user wellness data.
 6. The method of claim 4,wherein the suggested wellness goal is generated based at leastpartially on historical user transaction data.
 7. The method of claim 1,wherein the wellness award amount comprises a statement credit appliedto the account of the user.
 8. The method of claim 1, wherein the atleast one fitness tracking device comprises at least one of thefollowing: a wearable fitness device, a smartphone, a smartwatch, aheartrate monitor, a pedometer, a global positioning system (GPS), orany combination thereof.
 9. A system for tracking and incentivizingwellness activity using a fitness tracking device, comprising at leastone server computer including at least one processor programmed and/orconfigured to: determine a value associated with a wellness metricreceived from at least one fitness tracking device of a user; receivefirst user transaction data associated with a first transaction betweenthe user and a first merchant; receive second user transaction dataassociated with a second transaction between the user and a secondmerchant; based on the first user transaction data and second usertransaction data, determine a total transaction spend amount for theuser; based on the value associated with the wellness metric and thetotal transaction spend amount for the user, determine a wellness awardamount; generate a message comprising the wellness award amount; andcause an issuer server operated by or on behalf of an issuer of anaccount of the user to apply the wellness award amount to the account ofthe user by communicating the message to the issuer server.
 10. Thesystem of claim 9, wherein the wellness metric comprises at least one ofthe following: steps taken, calories burned, weight lost, distancetravelled, calories consumed, fluids consumed, floors climbed, timeactive, heart rate, sleep duration, or any combination thereof.
 11. Thesystem of claim 9, wherein the wellness metric comprises a user wellnessgoal generated by the user, wherein the wellness award is automaticallyapplied to the account of the user in response to completion of the userwellness goal.
 12. The system of claim 9, wherein the wellness metriccomprises a suggested wellness goal generated by at least one processor.13. The system of claim 12, wherein the suggested wellness goal isgenerated based at least partially on historical user wellness data. 14.The system of claim 12, wherein the suggested wellness goal is generatedbased at least partially on historical user transaction data.
 15. Thesystem of claim 9, wherein the wellness award amount comprises astatement credit applied to the account of the user.
 16. The system ofclaim 9, wherein the at least one fitness tracking device comprises atleast one of the following: a wearable fitness device, a smartphone, asmartwatch, a heartrate monitor, a pedometer, a global positioningsystem (GPS), or any combination thereof.
 17. A method for tracking andincentivizing wellness activity using a fitness tracking device,comprising: receiving, with the at least one transaction processingsystem, historical user transaction data associated with at least onepayment transaction between the user and at least one merchant, whereinthe historical user transaction data is received from at least onemerchant system; applying, with the at least one transaction processingsystem, a machine-learning algorithm to the historical user transactiondata to generate a suggested user wellness activity; monitoring, withthe at least one transaction processing system, user activity byreceiving user wellness data associated with at least one wellnessmetric from at least one fitness tracking device of a user; based on thereceived user wellness data, determining, with the at least onetransaction processing system, completion of the suggested user wellnessactivity by the user; in response to the user completing the suggesteduser wellness activity, determining, with the at least one transactionprocessing system, a wellness award amount; generating, with the atleast one transaction processing system, a message comprising thewellness award amount; and causing, with the at least one transactionprocessing system, an issuer server operated by or on behalf of anissuer of an account of the user to apply the wellness award amount tothe account of the user by communicating the message to the issuerserver.
 18. The method of claim 17, wherein the wellness metriccomprises at least one of the following: steps taken, calories burned,weight lost, distance travelled, calories consumed, fluids consumed,floors climbed, time active, heart rate, sleep duration, or anycombination thereof.
 19. The method of claim 17, wherein the wellnessaward amount comprises a statement credit applied to the account of theuser.
 20. The method of claim 17, wherein the at least one fitnesstracking device comprises at least one of the following: a wearablefitness device, a smartphone, a smartwatch, a heartrate monitor, apedometer, a global positioning system (GPS), or any combinationthereof.